Multinational Pooling

Although the benefits of asset pooling may be clear, creating a cross-border asset pooling solution for the first time is a difficult process requiring considerable international expertise. In order to be able to cope with the immense diversity of pensions across Europe, asset pooling solutions need to be flexible and ready for change.

The variety of potential – and partial – solutions presently on offer may have made it difficult for companies to decide which solution may be appropriate for them. With the development of multi client asset pooling, companies no longer need to design their own solutions and instead have access to a ready-made solution at a fraction of the cost. As a result, asset pooling is now within the reach of all sizes of companies.

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Multi-client asset pooling can be offered either as part of an insured pension solution or as an asset-only solution. A separate solution naturally provides more flexibility, and may facilitate companies wishing to implement asset pooling in phases. Multi-client asset pooling platforms provide companies with access to a ready-made pooling platform, removing the barrier of expensive start-up costs and enabling companies to benefit immediately from economies of scale.

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The market-leading track record of Multipool (Insurope) profits is impressive over the long term. See for yourself.

Multipool is a multi-employer pooling arrangement protected by a stop loss system, in which losses in the overall multinational account in any year are automatically cancelled by the network of the insurer. A risk charge is applied. Due to the large number of companies participating in small groups pool this charge is relatively low. On the other hand, within a pool, deficit results from “other” companies are first offset before arriving at an overall surplus result.

Insurope: Average dividends payable from Multipool, since its launch, run at a 44% average payout of own positive results, over the lifetime of this pooling product. Over good years this can represent as much as a 17% reduction in risk premiums.

This is a healthy reduction in costs and increasing profits for any multinational group, however big or small. Since its inception Multipool has paid dividends in almost all years. (Source Insurope)

Pension benefits Netherlands 3 steps scheme

Call our pooling expert: mr Gerrit-Jan Doorneweerd +31(0)20 6200825. Or contact us using this Employee Benefit form..

Multinational pooling is an financial vehicle used by employee benefits managers and risk managers  to reduce the escalating costs of insurance and to coordinate employee benefits plans within their organizations.

The savings a corporation has earned through pooling are determined on an annual basis by netting out claims, changes in reserves, commissions, taxes and other expenses from the worldwide premiums paid plus interest credits. The remainder is paid to the multinational corporation in the form of an international dividend.

Top insurers offers a broad range of products to ensure that each multinational corporation’s pooling package accommodates its specific needs and achieves maximum savings.

Multinational pooling clients have had a significant portion of premium returned to them as international dividends at year-end through the pooling of their international employee benefits plans.

Many insurers do offers multinational pooling arrangement. Just a few are able to give you sufficiënt services. We can help you in selecting these insurers.

Pension benefits Netherlands 3 steps scheme

Direct calculations for Dutch pension plan

Contact us using this Employee Benefit form..

Many insurers offers innovative modular systems to let you design your own global program by selecting the combination of pooling options that best suit your company’s specific needs and risk profile.

Your options

• Choice of loss carry forward amortization period
• Annual partial write-off of losses carried forward
• Limitation of losses carried forward
• Self-retention of risk
• Contingency fund
• Catastrophic risk cap
• Waiver or liberalization of medical evidence requirements
• Choice of accounting period

Direct calculations for Dutch pension benefits

This approach allows you to change the parameters of your pool as your circumstances
require. Whichever options you choose, you can be confident of always receiving local service and information at the international level. Or contact us using this Employee Benefit form..

Pension benefits Netherlands 3 steps scheme